Mortgages

Borrowing calculator

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- Borrowing calculator

How much can I borrow?

Use this calculator to work out how much you could borrow based on some quick questions about your current financial situation.

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Your application type:*

Individual Joint

Annual household income before tax:*

Dependant children under 18 years of age:*

Vehicles:*

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Loan Details

This loan is for:*

Buying a home or moving your loan to ANZ Building a home Renovating a home Other reason to add to your existing loan

Do you own any property/land currently?*

Yes No

What would you like to use as equity for your new home?*

Deposit plus funds from the sale of your existing property/land Funds from the sale of your existing property/land

Deposit amount:*

Total value of existing property/land:*

Tip: Current estimated re-sale value.

Do you have a home loan?*

Yes No

Home loan balance*

Tip: Current home loan balance.

Deposit amount:*

Current house value:*

Tip: Current estimated re-sale value.

Do you have a home loan?*

Yes No

Home loan balance*

Tip: Current home loan balance.

Existing home loan balance(s)*

Tip: Current home loan balance.

Total value of existing property*

Tip: Current estimated re-sale value.

Loan amount you want to borrow:*

Loan term length:*

Property type:*

Tip: Stand-alone means the home is not attached to another home. Freehold means that you own the land and house.

Stand alone or freehold Other

Please specify:

Your application type:*

Individual Joint

Dependant children:*

The number of children 17 years old or younger.

Vehicles:*

The number of vehicles you have will increase your expenses assumption.

Income

Annual household Salary/Wage before tax:*

Tip: Your combined annual income from all salary / wage sources.

First applicant's Salary/Wage before tax:*

Second applicant's Salary/Wage before tax:*

Please select all that apply

Shares/bonds

Total value of shares/bonds:*

Rental income

Rental income frequency:*

Rental income amount:*

Benefits

Benefits payment frequency:*

Benefits payment amount:*

Any other income

Annual other income total:*

Savings and Assets

Deposit (amount to contribute) is

Please select all that apply

Additional savings accounts

Tip: Any remaining savings account balances excluding your deposit.

Total savings accounts balance:*

Additional term deposits

Tip: Any remaining term deposit account balances excluding your deposit.

Total term deposits balance:*

Any other savings

Tip: Any remaining savings balances excluding savings account balances, term deposit account balances and your deposit.

Total other savings:*

Any other assets

Tip: Any other assets you have except vehicles and existing property/land.

Total value of other assets:*

Do you have KiwiSaver?*

Yes No

Do you have another superannuation?*

Yes No

Debts and Expenses

Please select all that apply

Existing home loan(s)

Existing home loan balance:*

Existing home loan repayment frequency:*

Existing home loan repayment amount (approximate):*

Personal loan(s)

Total personal loan balance:*

Personal loan repayment frequency:*

Personal loan repayment amount (approximate):*

Student loan(s)

Student loan balance (if unknown, approximate):*

Student loan repayment frequency:*

Student loan repayment amount:*

Any other loan(s)

Total other loans balance:*

Other loan repayment frequency:*

Other loan repayment amount (approximate):*

Credit card(s)

Total credit card balances:*

Total credit card limits:*

Do you pay off in full each month?*

Yes No

Average monthly payments (approximate):*

Hire purchases

Total hire purchase balance:*

Hire purchase repayment frequency:*

Hire purchase repayment amount (approximate):*

Overdraft(s)

Total overdraft balance:*

Total overdraft limits:*

Overdraft repayment frequency:*

Overdraft repayment amount (approximate):*

Rent/Board

Rent/board repayment frequency:*

Rent/board payment amount:*

Child support payments

Child support payment frequency:*

Child support payment amount:*

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Please check any errors or missing information in this section before you proceed.

You can start your home loan application online right now

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Or get in touch

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Disclaimer

This calculator only provides an estimated amount, based on the accuracy of the limited financial information provided by you. Results are based on amortised scheduled repayments with a constant interest rate for the term of the loan. This is not an offer of finance by ANZ and a full lending application must be completed.

The information collected in this calculator will be passed between calculators and our home loan application form for your convenience, but will not be stored once this browser session is completed.

ANZ Home Loans are subject to our lending criteria, terms, conditions and fees.